Tariq Ahmed Shaikh
Banker
Karachi ,Pakistan
Summary
Sharp banking professional whose talents shine in competitive, innovative and creative environment. Track record of increasing sales, improving client retention and growing customer base. Focused administrator versed in overseeing operations in description field. Possess excellent Skill and Skill abilities. Driven to build lasting client relationships and exceed sales goals. Job Title with solid leadership skills that result in branch goals achievement. Enthusiastic Job Title leads branch staff in exceeding sales goals while delivering excellent customer service. Branch Manager skilled in developing and grooming exceptional bank personnel. Strong focus on staff relations and teamwork. Talented Job Title successfully improves team effectiveness, grows revenue and increases customer satisfaction in challenging markets. Detail-oriented and forward-thinking with strong communication, decision-making and problem solving abilities. Demonstrated skills motivating teams using transformational leadership. Job Title experienced at managing business operations in Industry. Focused Job Title with demonstrated ability to organise work, establish priorities and delegate tasks to meet service delivery requirements. Skilled in communicating to meet performance and productivity requirements while ensuring compliance with policies and regulations. Proven expertise in Area of expertise. Knowledgeable management professional with proven success in achieving and exceeding regional revenue goals within company growth strategies. Skilled at developing local business strategy and overseeing change management to implement successful improvements. Committed and experienced Job Title with background in business leadership, change management and business risk analysis. Interprets business needs, risks, client requirements and cost structures to increase forecasting accuracy and exceed revenue targets. Maintains smooth operations through careful oversight, priority management and workflow coordination. Detail-orientated and analytical individual, trained in business management. Consistently seeking opportunities to learn and develop new and existing skills. Ready to apply training and problem-solving approach to core business challenges. Adaptable and resourceful leader, dedicated to improving productivity objectives and increasing revenue. Trains and mentors managers to nurture cohesive leadership team that cultivates strong work culture, top quality standards and high employee performance. Successful manager equipped to plan, lead and optimise operations for changing landscape. Accomplished in delivering above-expected results while streamlining operations. Ambitious to affect change and bring results in new environment. Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance. Organised and dependable Job Title with Number years of experience. Successful at managing multiple priorities with positive attitude. Willing to take on greater responsibilities to meet team goals. Takes on challenging new role harnessing interpersonal skills, collaboration and problem-solving. Driven to deliver high-quality service and consistent results. Dedicated Job Title highly effective in undertaking administrative and programme management tasks. Manages complex data with excellent organisation. Motivated to achieve outstanding success through prompt communication and helpful approach.
Overview
35
35
years of professional experience
Work History
Executive Director
GHP CAPITAL LTD
Karachi, Pakistan
08.2020 - Current
- Managed team performance, celebrating successes and identifying areas to improve.
- Interpreted underlying risks, business needs, client requirements and cost structures to increase forecasting accuracy.
- Provided customers with outstanding service, extending relationships for future business opportunities.
- Supervised budgets and timelines, ensuring progress met project scope targets.
- Increased new business connections and revenue generation opportunities by improving networking strategies.
- Reduced financial discrepancies by improving documentation and reporting accuracy for budget and operational controls.
- Maintained organisational compliance with applicable legislation and regulations.
Senior VP
Bank Islami LTD
Karachi, Pakistan
05.2016 - 02.2020
- Initiated aggressive hiring push and training of industry-renowned candidates to drive organisational improvements.
- Created and led successful business culture focused on performance.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Recruited and managed senior staff with focus on delivering clear results.
- Partnered with management team to optimise operations and reduce costs.
- Put in place clear controls for financial administration and business management.
- Maintained organisational compliance with applicable legislation and regulations.
- Identified and resolved operational issues impacting productivity, performance or profitability.
CEO & FOUNDER
Bareera Ventures Capital PTE LTD
Singapore , Singapore
02.2011 - 06.2016
- Directed company operations and strategy through long-term business planning, consistently growing revenue by Number% year-on-year.
- Created and implemented overall business strategy to facilitate all managerial decision-making.
- Increased employee productivity through extensive training and development schemes, maximising output by Number%.
- Utilised industry expertise to influence business decisions, resulting in Result.
- Improved cross-departmental collaboration between management staff by revamping structured communication plans.
- Built rapport and engaged with staff at multiple levels to facilitate effective communication.
- Provided customers with outstanding service, extending relationships for future business opportunities.
- Maintained smooth operations through careful management of office workflow and administrative processes.
- Spearheaded development and delivery of product initiatives based on in-depth market research.
- Generated and achieved regional revenue goals, exceeding targets within company growth strategies.
- Supervised budgets and timelines, ensuring progress met project scope targets.
- Trained and mentored managers to cultivate cohesive leadership team.
- Interpreted underlying risks, business needs, client requirements and cost structures to increase forecasting accuracy.
- Identified market demands and consumer trends to increase customer base and retention rates.
- Improved long-term prospecting, strategy development and customer engagement by implementing successful growth strategies.
- Boosted customer satisfaction scores through fast and knowledgeable issue resolution.
- Hired exceptional candidates and effectively led staff to maximise productivity and eliminate process lags.
- Independently managed recruitment, employee motivation and training.
- Increased new business connections and revenue generation opportunities by improving networking strategies.
- Reduced financial discrepancies by improving documentation and reporting accuracy for budget and operational controls.
- Identified and resolved operational issues impacting productivity, performance or profitability.
- Recruited and managed senior staff with focus on delivering clear results.
- Spearheaded strategic planning and decision-making processes aligning with mission and stakeholder interests.
- Served as official representative of organisation to public groups or government agencies.
- Maintained organisational compliance with applicable legislation and regulations.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Directed day-to-day work of Number employees and motivated teams to exceed objectives.
- Worked with board of directors to establish objectives and decisively lead operations.
- Monitored operations to assess and highlight results.
- Established budgets based on historical, current and forecasted business data.
- Launched new, innovative projects based on customer demand.
- Optimised daily operations to achieve maximum efficiency and cost-effectiveness.
- Developed and implemented marketing and sales strategies, increasing brand awareness and driving revenue growth.
- Assessed operational performance, evaluating KPIs to identify and resolve underperforming areas.
- Conducted annual performance reviews to deliver constructive feedback and promote employee growth.
- Negotiated and secured lucrative partnership with major industry player, opening up new market opportunities.
- Developed comprehensive business plan with market analysis, financial projections and strategic goals.
- Addressed operational inefficiencies, implementing actionable improvements to support business growth.
- Secured funding to support launch and growth, demonstrating persuasive communication and business acumen.
- Made strategic decisions to guide company's growth and expansion.
- Served as mentor and role model for aspiring entrepreneurs, sharing knowledge and expertise.
- Maintained agile, responsible organisation with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
- Set strategic plans to govern functioning of Type operations.
- Put in place clear controls for financial administration and business management.
Vice-President
Pak Iran Investment Company LTD
Karachi, Pakistan
07.2014 - 09.2014
- Allocated resources to teams and projects based on need, performance and availability.
- Worked with board of directors to establish objectives and decisively lead operations.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Partnered with management team to optimise operations and reduce costs.
- Created and led successful business culture focused on performance.
- Reviewed reports from subordinate management to identify areas of opportunity.
- Set strategic plans to govern functioning of Type operations.
- Maintained agile, responsible organisation with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
- Developed key operational initiatives to drive and maintain substantial business growth.
Vice-President Chief Manager
Summit Bank LTD
Karachi, Pakistan
06.2009 - 02.2011
- Directed day-to-day work of Number employees and motivated teams to exceed objectives.
- Created and led successful business culture focused on performance.
- Established budgets based on historical, current and forecasted business data.
- Reviewed reports from subordinate management to identify areas of opportunity.
- Identified and resolved operational issues impacting productivity, performance or profitability.
- Recruited and managed senior staff with focus on delivering clear results.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Allocated resources to teams and projects based on need, performance and availability.
- Monitored operations to assess and highlight results.
- Put in place clear controls for financial administration and business management.
- Partnered with management team to optimise operations and reduce costs.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Maintained organisational compliance with applicable legislation and regulations.
- Tracked KPIs to drive profitability and target delivery.
- Prepared and reviewed procedural documents for daily operations.
- Delivered business strategy to drive revenue and operational efficiencies.
- Monitored and evaluated teams, identifying and targeting opportunities for improvement.
- Increased revenue streams by reducing costs, managing schedules and performing variance and risk analysis to implement corrective actions.
- Resolved internal staff conflicts to mutual benefits of all parties involved.
- Managed high-performing teams to deliver quality customer service and stable profits.
- Implemented effective customer service procedures to encourage positive feedback.
- Built and maintained loyal, long-term customer relationships through effective account management.
- Negotiated with vendors and service providers to control corporate expenditures.
- Developed and implemented budgetary and resource allocation plans.
- Generated business, cost and employee reports to management.
- Designed and implemented training to further develop staff based on business goals.
- Led and managed administrative staff to maintain smooth daily operations.
- Translated senior management directives into actionable front-line policies and implemented changes with staff.
- Organised financial and operational data to help with yearly budgeting and planning.
- Maintained smooth-running business operations by delegating priorities to staff abilities.
- Established clear budgets and cost controls strategies to meet objectives.
- Represented organisations at seminars, conferences and business events.
- Streamlined processes to improve and optimise office operations.
- Developed organisational policies for administrative oversight and internal controls.
- Investigated issues affecting group operations, prepared reports and helped correct problems.
- Analysed and resolved complex resource management issues for optimised scheduling.
- Coordinated hiring, recruitment and training strategies to build successful administrative team.
Vice-President Branch Manager
Bank Alfalah Ltd
Karachi, Pakistan
12.2004 - 05.2009
- Created and led successful business culture focused on performance.
- Maintained organisational compliance with applicable legislation and regulations.
- Directed day-to-day work of Number employees and motivated teams to exceed objectives.
- Initiated aggressive hiring push and training of industry-renowned candidates to drive organisational improvements.
- Reviewed reports from subordinate management to identify areas of opportunity.
- Set strategic plans to govern functioning of Type operations.
- Monitored operations to assess and highlight results.
- Put in place clear controls for financial administration and business management.
- Identified and resolved operational issues impacting productivity, performance or profitability.
- Spearheaded strategic planning and decision-making processes aligning with mission and stakeholder interests.
- Allocated resources to teams and projects based on need, performance and availability.
- Maintained agile, responsible organisation with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Established budgets based on historical, current and forecasted business data.
- Boosted branch sales by developing and deepening customer loyalty through incentive programmes.
- Performed monthly and quarterly employee performance appraisals.
- Organised regular coaching and training exercises with staff to build motivation.
- Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
- Oversaw all aspects of branch management, including sales, revenue and policy enforcement.
- Conducted regular branch staff meetings to communicate goals and objectives.
- Interviewed and hired talented individuals with top-level strengths, improving overall talent and skillset for organisation.
- Facilitated smooth running of branch operations by verifying consistent compliance with standard operating procedures.
- Maintained detailed records of branch office activities.
- Evaluated staff and customer feedback to improve branch operations.
- Addressed staff development concerns and implemented training to bridge learning gaps.
- Set team performance goals and monitored progress to encourage attainment.
- Motivated sales teams to deliver faultless service, uplifting account activity.
- Monitored industry trends to remain ahead of competitor activity.
- Built and nurtured customer relationships to retain business and loyalty.
- Identified new business leads and achieved high conversion rates to exceed growth targets.
- Resolved customer complaints quickly and professionally to maintain satisfaction.
Executive Vice-President/ General Manager
Crescent Standard Investment Bank Ltd
Karachi, Pakistan
01.2004 - 12.2004
- Spearheaded strategic planning and decision-making processes aligning with mission and stakeholder interests.
- Directed day-to-day work of Number employees and motivated teams to exceed objectives.
- Initiated aggressive hiring push and training of industry-renowned candidates to drive organisational improvements.
- Served as official representative of organisation to public groups or government agencies.
- Partnered with management team to optimise operations and reduce costs.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Reviewed reports from subordinate management to identify areas of opportunity.
- Recruited and managed senior staff with focus on delivering clear results.
- Put in place clear controls for financial administration and business management.
- Created and led successful business culture focused on performance.
- Maintained agile, responsible organisation with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
- Maintained organisational compliance with applicable legislation and regulations.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Monitored operations to assess and highlight results.
- Established budgets based on historical, current and forecasted business data.
- Identified and resolved operational issues impacting productivity, performance or profitability.
- Allocated resources to teams and projects based on need, performance and availability.
- Worked with board of directors to establish objectives and decisively lead operations.
- Recruited top-performing candidates to build staff retention and team performance.
- Delivered business strategy to drive revenue and operational efficiencies.
- Tracked KPIs to drive profitability and target delivery.
- Resolved internal staff conflicts to mutual benefits of all parties involved.
- Set policies and processes outlining expectations on employee behaviour at every level.
- Managed high-performing teams to deliver quality customer service and stable profits.
- Monitored and evaluated teams, identifying and targeting opportunities for improvement.
- Prepared and reviewed procedural documents for daily operations.
- Implemented effective customer service procedures to encourage positive feedback.
- Empowered staff members to contribute to continuous improvement, quality and growth of company.
- Increased revenue streams by reducing costs, managing schedules and performing variance and risk analysis to implement corrective actions.
- Scheduled regular team meetings to discuss business updates, issues and recommendations.
- Assisted with employee relations issues, using emotional intelligence and diplomatic communication to resolve grievances.
- Identified and implemented improvements to address and resolve office workflow inefficiencies.
- Generated business, cost and employee reports to management.
- Fostered culture of inclusion and positive rapport through consistent team-building activities and inter-office competitions.
- Developed and implemented budgetary and resource allocation plans.
- Established strong rapport with stakeholders to enhance business credibility.
- Set strategic plans to govern functioning of Type operations.
- Monitored and reviewed financial controls, processes and procedures to enable best practice development.
- Managed timely and accurate reporting of various financial transactions and information for detailed analysis.
- Developed thorough forecasting and cash-flow management processes to maximise progression and profitability.
- Managed cash flow and liquidity, mitigating financial risks and ensuring stability.
- Worked to scale and enhance finance function, implementing new processes and refining existing ones.
- Delivered regular management reporting and supervised quarterly tax calendar.
- Forecasted trends and interpreted cash flows to reliably inform business decisions.
- Created analytical framework for identifying and developing financial growth opportunities.
- Consolidated comprehensive management accounts, integrating income statements, cashflow and balance sheets.
- Contributed to hiring process by interviewing applicants and making recommendations for best-suited candidates.
- Conducted thorough systems review and implementation analysis to evaluate options and timeframes.
- Implemented cost-control measures, optimising expenditure within budgetary constraints.
- Analysed established fiscal parameters and organisational needs to develop approved annual budget.
- Conducted variance analysis to identify discrepancies and implement corrective actions.
- Administered payroll processes for accurate, timely salary disbursements.
- Oversaw financial reporting processes, maintaining accuracy and compliance with regulatory standards.
- Maintained KPI reporting tools for accurate, up-to-date financial data for decision-making.
- Directed budgeting and forecasting activities to align financial goals with organisational objectives.
- Served as finance business partner to drive strategic business decisions.
- Identified areas for improvement and enhancements in financial processes and reporting mechanisms.
- Created and presented accurate, detailed financial forecasts.
- Harnessed data visualisation to drive insights through management reporting.
- Reduced annual business expenditure through careful expense monitoring.
- Developed strategies to increase profits and cost savings.
- Managed daily finance services for smooth business operations.
- Oversaw audits to collate accurate data and recommend constructive improvements.
- Reviewed bookkeeping and management accounts to achieve clear and correct reports.
- Represented business in negotiations with external partners.
- Collaborated with business management to set and control annual budgets.
- Applied advanced Excel skills to efficiently analyse large data sets.
- Strategised and led financial planning and operations for Type businesses.
- Led finance transformation projects to reach company growth goals.
- Recruited high-achieving team members for enhanced department performance.
- Analysed financial performance to implement key improvement strategies.
- Made strategic resource recommendations to improve business profit potential.
- Designed dashboards to enhance Business Intelligence and KPI reporting.
Vice-President/ Head of Operations
Islamic Investment Bank LTD
Karachi, Pakistan
03.2001 - 01.2004
- Partnered with management team to optimise operations and reduce costs.
- Monitored operations to assess and highlight results.
- Recruited and managed senior staff with focus on delivering clear results.
- Directed day-to-day work of Number employees and motivated teams to exceed objectives.
- Spearheaded strategic planning and decision-making processes aligning with mission and stakeholder interests.
- Established budgets based on historical, current and forecasted business data.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Set strategic plans to govern functioning of Type operations.
- Maintained agile, responsible organisation with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
- Maintained organisational compliance with applicable legislation and regulations.
- Put in place clear controls for financial administration and business management.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Identified and resolved operational issues impacting productivity, performance or profitability.
- Created and led successful business culture focused on performance.
- Reviewed reports from subordinate management to identify areas of opportunity.
- Championed brand leadership position by working with detailed awareness of competitor activity.
- Worked with Job title to formulate Type business strategy leading to Result.
- Elevated daily Type operations to consistently meet Type KPIs and SLAs.
- Led overall direction, coordination and evaluation of department functions.
- Managed and motivated high-performing teams for successful KPI attainment.
- Reduced costs and improved operations by analysing processes and customer feedback.
- Developed, recommended and implemented strategies to improve employee work quality and speed.
- Minimised discrepancies by effectively training employees on best practices, policies and procedures.
- Monitored and reviewed operational performance, aiding improved business strategy to maximise productivity.
- Analysed financial data to track and achieve budget targets.
- Liaised with management to align daily operations with overarching priorities.
- Established and communication daily priorities to guide team activities.
- Supervised daily operations, acting as point of contact for any queries or obstacles.
- Analysed operations data to identify process gaps and successfully implement change.
- Aided senior leadership by recommending corrective actions and improvements to company operations.
- Worked constructively with sales team generating new business opportunities and supporting company growth.
- Increased department profitability by reducing operations costs.
- Tracked and reported on KPIs, investigating variances and developing solutions to address bottlenecks or constraints.
- Analysed and resolved complex resource management issues for optimised scheduling.
- Oversaw facility maintenance and allocated needed resources to meet standards.
- Investigated issues affecting group operations, prepared reports and helped correct problems.
- Translated senior management directives into actionable front-line policies and implemented changes with staff.
- Represented organisations at seminars, conferences and business events.
- Established clear budgets and cost controls strategies to meet objectives.
- Planned revenue generation strategies designed for growth.
- Coordinated hiring, recruitment and training strategies to build successful administrative team.
- Streamlined processes to improve and optimise office operations.
- Maintained smooth-running business operations by delegating priorities to staff abilities.
- Monitored health and safety measures for guaranteed compliance.
- Created classification systems to manage archives.
- Led and managed administrative staff to maintain smooth daily operations.
- Developed organisational policies for administrative oversight and internal controls.
- Organised financial and operational data to help with yearly budgeting and planning.
Vice-President/ Head or Corporate
Fidelity Investment Bank Ltd
Karachi, Pakistan
06.1999 - 06.2001
- Partnered with management team to optimise operations and reduce costs.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Worked with board of directors to establish objectives and decisively lead operations.
- Put in place clear controls for financial administration and business management.
- Recruited and managed senior staff with focus on delivering clear results.
- Spearheaded strategic planning and decision-making processes aligning with mission and stakeholder interests.
- Established budgets based on historical, current and forecasted business data.
- Directed day-to-day work of Number employees and motivated teams to exceed objectives.
- Reviewed reports from subordinate management to identify areas of opportunity.
- Maintained organisational compliance with applicable legislation and regulations.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Maintained agile, responsible organisation with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
- Set strategic plans to govern functioning of Type operations.
- Monitored operations to assess and highlight results.
- Identified and resolved operational issues impacting productivity, performance or profitability.
- Represented risk management function at key management meetings.
- Assisted with the Safety Risk Management (SRM) process.
- Set risk management policies to mitigate bank losses.
- Led cross-departmental and divisional workflows, supporting risk management.
- Advised senior stakeholders on cost-effective risk management strategies.
- Monitored client accounts for regulatory compliance and risk management.
- Developed and maintained risk-management expertise for enhanced reliability.
- Continually improved processes for risk management through Action and Action.
- Performed risk assessments to design risk management strategies for clients.
- Spearheaded implementation of risk management initiatives and disaster recovery planning.
- Managed in-season trading, balancing profit maximisation with risk management.
- Handled incidents and safety concerns with rigorous risk management and reporting.
- Complied with relevant regulatory processes with comprehensive understanding of risk management.
- Built scalable risk management and monitoring processes to meet credit needs.
- Developed and implemented comprehensive risk management plans to mitigate potential threats.
- Coordinated with risk management teams to assess and mitigate potential market risks.
- Supported and standardised risk management processes and updated SOPs to reflect changes.
- Monitored infection control and critical incidents, risk management and quality improvement plans.
- Performed internal audits for data protection, risk management and health and safety.
- Ensured thorough risk management procedures throughout project lifecycle, from Task to Task.
- Liaised with management to relay customer feedback and suggestions for improvement.
- Minimised infection risks by planning suitable bed utilisation and location with bed management teams.
- Worked closely with management team to identify and mitigate potential operational risks.
- Reported on control deficiencies to management and made recommendations to mitigate risk and add value.
- Reported KPIs to department heads for management of positive cash flow, adjusting credit risk policies and procedures accordingly.
- Prepared and analysed periodic reports, outlining risk evaluations for management and stakeholders.
- Advised senior management on potential risks and opportunities related to regulatory changes.
Vice-President/ Branch Manager
Trust Bank LTD
Karachi, Pakistan
06.1998 - 12.1998
- Directed day-to-day work of Number employees and motivated teams to exceed objectives.
- Maintained agile, responsible organisation with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
- Reviewed reports from subordinate management to identify areas of opportunity.
- Monitored operations to assess and highlight results.
- Directed administration and optimisation of financial operations, payroll and accounting processes.
- Established budgets based on historical, current and forecasted business data.
- Maintained organisational compliance with applicable legislation and regulations.
- Set strategic plans to govern functioning of Type operations.
- Allocated resources to teams and projects based on need, performance and availability.
- Created and led successful business culture focused on performance.
- Identified and resolved operational issues impacting productivity, performance or profitability.
- Partnered with management team to optimise operations and reduce costs.
- Oversaw all aspects of branch management, including sales, revenue and policy enforcement.
- Facilitated smooth running of branch operations by verifying consistent compliance with standard operating procedures.
- Interviewed and hired talented individuals with top-level strengths, improving overall talent and skillset for organisation.
- Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
- Boosted branch sales by developing and deepening customer loyalty through incentive programmes.
- Organised regular coaching and training exercises with staff to build motivation.
- Performed monthly and quarterly employee performance appraisals.
- Conducted regular branch staff meetings to communicate goals and objectives.
- Addressed staff development concerns and implemented training to bridge learning gaps.
- Motivated sales teams to deliver faultless service, uplifting account activity.
- Built and nurtured customer relationships to retain business and loyalty.
- Evaluated staff and customer feedback to improve branch operations.
- Maintained detailed records of branch office activities.
- Identified new business leads and achieved high conversion rates to exceed growth targets.
- Resolved customer complaints quickly and professionally to maintain satisfaction.
- Monitored industry trends to remain ahead of competitor activity.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Put in place clear controls for financial administration and business management.
- Spearheaded strategic planning and decision-making processes aligning with mission and stakeholder interests.
- Conducted credit checks and monitored credit alerts.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Assisted credit teams with re-invoicing and raising credit notes.
- Reconciled company bank, credit card and line of credit accounts.
- Performed customer credit checks and advised on credit limit adjustments.
- Completed credit verifications and opened lines of credit worth over £Number.
- Actioned credit requests from stakeholders, maintaining company credit exposure within frameworks.
- Checked credit scores, income and financial benchmarks to inform credit approval decisions.
- Furnished senior leadership with credit availability updates and comprehensive credit exposure reports.
- Evaluated client's credit history, tax information and bank statements to determine credit worthiness.
- Collected relevant customer information for credit decisions, utilising credit reports and public domain data.
- Accurately documented all cash, credit, fixed assets, accrued expenses and line of credit transactions.
- Assessed credit risk and financial statements against company requirements to determine eligibility for credit.
- Established credit limits for new and existing customers, performing credit checks to minimise risk of debt.
- Confidentially handled cash and credit card payments.
- Rigorously reviewed financial information, credit reports and customer pay history to recommend appropriate credit limits for Number Type accounts.
- Resolved Timeframe credit management queries accurately and efficiently.
- Handled credit approval processes through diligent application management.
- Identified discrepancies and variances to reconcile credit files.
- Harnessed credit market knowledge to inform lending decisions.
- Obtained and evaluated credit information about prospective customers.
- Handled currency and credit transactions quickly and accurately.
- Negotiated favourable credit terms and covenants in agreements.
- Answered credit management queries and escalated complaints to manager.
- Carried out reference and credit checks on new clients.
- Liaised with credit control monthly and investigated premium discrepancies.
- Devised credit and repayment plans for secure finance management.
- Reviewed and approved credit trading terms on customer contracts.
- Improved credit control procedures, reducing late payments by Number%.
- Recommended loan approvals and denials based on customer credit worthiness.
- Established credit terms, pricing and conditions during application approval process.
- Liaised with credit insurance providers to enhance risk mitigation strategies.
- Verified client creditworthiness before renewing or issuing new credit cards.
- Drove continuous improvement by recommending updates to credit risk models.
- Processed credit card applications by following Financial Conduct Authority rules.
- Investigated credit applications to determine legitimacy and creditworthiness of clients.
- Managed daily cash, credit and debit card transactions with accuracy.
- Reviewed customer history and company financials before processing credit applications.
- Consistently demonstrated strong skills in invoicing, bookkeeping and credit control.
- Communicated with applicants to discuss credit-worthiness and application decisions.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Developed credit and fraud risk models and quantitative risk approaches.
- Investigated and evaluated customers for credit worthiness and potential risk factors.
- Made decisions and recommendations about extending lines of credit to clients.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Scheduled meetings with customers to address credit card complaints and issues.
- Set up new accounts, established customer credit and set up payment methods.
- Assessed loan risk and requested additional information or security to guarantee credit.
- Resolved invoices queries and raised credit notes by communicating clearly and professionally.
- Prepared and submitted sales contracts for new credit card issuance or renewal.
- Assessed customer suitability for credit and loan applications for reduced business risk.
Vice-President/ Head of Credit & Compliance
Prudential Commercial Bank LTD
Karachi, Pakistan
01.1996 - 06.1997
- Identified compliance gaps that prevented £Number in non-compliance losses.
- Avoided non-compliance compliance losses by completing paperwork to required standard.
- Completed gap analysis, comparing required compliance documentation to received compliance documentation.
- Oversaw compliance for complete customs process, achieving Number% compliance for all Type declarations.
- Maintained compliance with environmental standards.
- Measured compliance to existing policies.
- Conducted employment and compliance checks.
- Completed and filed compliance administration.
- Oversaw and enforced regulatory compliance.
- Upheld compliance to licensing legislation.
- Tracked compliance with all aspects of health, safety and environmental legislation to increase compliance scores.
- Guaranteed vessel compliance with industry regulations.
- Ensured site compliance with Type legislation.
- Maintained accurate and detailed compliance records.
- Ensured full compliance with Type legislation.
- Maintained compliance with waste legislative regulations.
- Guaranteed process compliance with aquaculture standards.
- Created compliance programme to ensure health and safety standards, saving £Number in potential non-compliance losses.
- Effectively used compliance tools, such as Type and Type tools to monitor and detect compliance risks.
- Operated in compliance with all airline and aviation regulations, ensuring complete compliance with safety and security procedures.
- Verified component compliance with strict ISO specifications.
- Enforced compliance with regulations and local legislation.
- Implemented new policies to reach regulatory compliance.
- Rectified policy breaches to restore operational compliance.
- Implemented strict GDPR controls for improved compliance.
- Approved selected materials to maintain safety compliance.
- Assessed completed works for quality and compliance.
- Upheld Type, Type and Type compliance requirements.
- Guaranteed ongoing compliance with changing tax regulations.
- Managed compliance with Type regulations through Action.
- Reported on compliance performance to senior management.
- Maintained compliance with company and legal requirements.
- Identified instances of non-compliance and issued penalties.
- Streamlined workflows by improving system knowledge, improving processing times.
- Reviewed and approved credit trading terms on customer contracts.
- Optimised customer service communication by maintaining accurate applicant records in company CRM.
- Analysed customer history and financial reports to assess risk and creditworthiness.
- Improved efficiency of cash collection activities and reduced bad debt exposure.
- Facilitated profitability tracking by producing performance reports for senior management.
- Maintained electronic log of communications with customers in respect to outstanding payments.
- Assessed and tracked team and personal KPIs and strived to meet set targets.
- Provided customised credit solutions for families and small business owners, leading to increase in loan portfolios.
- Highlighted problematic accounts to management via regular updating.
- Educated clients on loan products available to facilitate decision-making, describing complex terms in easy-to-understand language.
- Controlled credit risk by analysing portfolio and identifying potential issues impacting client security.
- Prepared monthly statements and followed up on overdue balances by telephone or email.
- Oversaw and coordinated application process of loan closings from enquiry to completion.
- Grew existing client relationships through regular updates and engagement, boosting retention.
- Recommended credit rating procedures resulting in increased risk analysis accuracy.
- Reviewed and submitted applications to management with recommendations.
- Issued official approval and rejection notices within allowable limits and in line with institutional risk profiles.
- Prepared documentation on loan repayment feasibility.
- Documented client applications for personal, business and mortgage loans.
- Maintained impeccable records of payments and documentation of transactions.
- Met with applicants to collect information about personal histories, current loans and income.
- Interviewed customers to assess current and projected financial positions.
- Conducted research into references for reliable approval outcomes.
- Completed documentation for lines of credit and loans on behalf of customers.
- Devised credit and repayment plans for secure finance management.
- Updated client records with successful credit and loan applications.
- Informed customers of potential legal action and required remediation to avoid escalation.
- Monitored financial markets to recommend suitable client products.
- Evaluated client credit check outcomes to provide complete financial advice.
- Wrote professional correspondence outlining ageing account information.
- Progressed legal action for overdue accounts.
- Prompted customers with overdue payments to avoid penalties.
- Analysed financial statements to identify client viability and risk.
Assistant Manager/ Commercial Banking
Askari Bank LTD
Karachi, Pakistan
03.1992 - 01.1996
- Oversaw daily operations of store, including inventory and supply restocking, cash-handling and assisting customers.
- Motivated management and staff teams to consistently deliver high quality, customer-focused service.
- Nurtured positive customer relationships, enhancing membership loyalty and driving client retention.
- Addressed customer issues calmly and professionally, delivering quick, successful resolutions.
- Built customer relationships with consultative sales approach.
- Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
- Developed organisational policies for administrative oversight and internal controls.
- Maintained smooth-running business operations by delegating priorities to staff abilities.
- Supported compliance with strict adherence to Bank Secrecy Act, Anti Money Laundering and OFAC regulations.
- Reviewed performance metrics to identify required process improvements.
- Generated memos for fixed deposit renewals and fixed deposit closures.
- Coached banking service teams in providing exceptional customer care.
- Recommended loan approvals and denials based on customer credit worthiness.
- Investigated customer queries to provide timely financial solutions.
- Opened customer accounts and provided smooth onboarding services.
- Kept accurate operations records for thorough data auditing.
- Met liability acquisition targets by leveraging new customer accounts.
- Reported suspicious transactions and financial discrepancies to address potentially fraudulent activity.
- Handled credit approval processes through diligent application management.
- Advised customers on suitable financial products to meet individualised needs and drive corporate revenue.
- Supervised branch operations to spur continuous improvements and enhance service delivery.
- Set risk management policies to mitigate bank losses.
- Mitigated risks by upholding stringent bank standards for loans and money handling.
- Carried out thorough customer assessments to minimise financial risk.
- Built customer bases through cold calling and referral conversions.
- Completed documentation for lines of credit and loans on behalf of customers.
- Prepared documentation on loan repayment feasibility.
- Reviewed and submitted applications to management with recommendations.
- Analysed financial statements to identify client viability and risk.
- Interviewed customers to assess current and projected financial positions.
- Built positive relationships with lenders to achieve optimal client deals.
- Devised credit and repayment plans for secure finance management.
- Progressed legal action for overdue accounts.
- Prompted customers with overdue payments to avoid penalties.
- Maintained impeccable records of payments and documentation of transactions.
- Evaluated client credit check outcomes to provide complete financial advice.
- Informed customers of potential legal action and required remediation to avoid escalation.
- Updated client records with successful credit and loan applications.
- Issued official approval and rejection notices within allowable limits and in line with institutional risk profiles.
- Documented client applications for personal, business and mortgage loans.
- Met with applicants to collect information about personal histories, current loans and income.
- Interpreted and analysed KYC data to accurately risk assess existing clients.
- Provided updates at regular compliance meetings with internal stakeholders.
- Prepared and presented reports and analyses to senior management.
- Delivered end-to-end KYC onboarding lifecycle service for new customers.
- Supported development of relevant policies and procedures to reflect changing regulatory requirements.
- Refreshed and maintained existing customer data to keep up-to-date and accurate.
- Performed due diligence on customer documentation and information.
- Conducted end-to-end review of KYC records.
- Assisted with remediation projects and initiatives.
- Met daily, weekly and monthly KPI targets, maintaining high quality standards.
- Completed required periodic client reviews, managing workload efficiently to meet tight deadlines.
- Assessed risks and compliance issues associated with customers or products.
- Communicated clearly and concisely with external stakeholders to describe various requirements and minimise delays.
- Delivered excellent client service, addressing queries promptly and accurately.
- Identified, defined and implemented improved process efficiencies.
- Reviewed new customer accounts and verified customer identities.
- Reviewed financial reports and recommended strategies to streamline operations, increase productivity and grow company profits.
- Modelled financial information related to payroll, capital projects and operating supplies.
- Provided detailed analysis and actionable insights of Type trends to support and influence business decisions.
- Conducted comprehensive research on corporations, industrial developments and government reports to inform financial assessments.
Assistant Manager
Allied Bank LTD
Karachi, Pakistan
07.1989 - 03.1992
- Managed customer support cases from initial report through to resolution.
- Prioritised and promptly responded to vast number of reported incidents and logs.
- Handled confrontational customers and applied appropriate de-escalation strategies.
- Explained technical information to non-technical users with clear, verbal and written communication.
- Completed QC checks on Underwriters and Case Managers for KYC.
- Interpreted and analysed KYC data to accurately risk assess existing clients.
- Prepared and presented reports and analyses to senior management.
- Carried out initial due diligence checks for potential new clients.
- Provided updates at regular compliance meetings with internal stakeholders.
- Identified, defined and implemented improved process efficiencies.
- Assessed risks and compliance issues associated with customers or products.
- Conducted end-to-end review of KYC records.
- Performed due diligence on customer documentation and information.
- Refreshed and maintained existing customer data to keep up-to-date and accurate.
- Reviewed new customer accounts and verified customer identities.
- Handled customer complaints, providing appropriate solutions to guarantee positive outcomes.
- Assisted customers with product complaints, logging issues for investigation and providing replacement items.
- Resolved customer issues effectively, using strong interpersonal skills and conflict resolution techniques.
- Provided outstanding customer service.
- Improved customer service ratings through Action.
- Generated repeat business through exceptional customer service.
- Offered exceptional customer service to all guests.
- Provided exceptional customer service, exceeding customer expectations.
- Greeted customers and provided excellent customer service.
- Displayed exemplary customer service in client-facing role.
- Competent on customer service management systems and databases.
- Championed Type customer service techniques to achieve Result.
- Received commendations by management for outstanding customer service.
- Offered exceptional customer service through Action and Action.
- Spearheaded customer service delivery initiatives, increasing overall satisfaction.
- Upheld top-quality workmanship and excellent customer service.
- Provided outstanding customer service, boosting customer satisfaction levels.
- Answered customer enquiries with excellent customer service skills.
- Delivered first class customer service while maintaining professionalism.
- Increased client retention by providing superior customer service.
- Promoted excellent customer service standards in all interactions.
- Handled multiple enquiries whilst maintaining outstanding customer service.
- Upheld excellent customer service with helpful, confident demeanour.
- Maintained documentation pertaining to customer service department activities.
- Delivered friendly customer service in all public interactions.
- Accurately documented, researched and resolved customer service issues.
- Provided superior customer service, cutting complaints by Number%.
- Finalised payments efficiently to minimise customer service delays.
- Offered exceptional customer service with strong product knowledge.
- Provided friendly, professional customer service throughout leaflet distribution.
- Applied positive customer service approach to increase satisfaction levels.
- Maintained relationships with regular customers, providing exceptional customer service.
- Created positive first impressions through considerate, knowledgeable customer service.
- Applied best practices to comply with customer service procedures.
- Delivered outstanding customer service to achieve high satisfaction levels.
Education
Masters In Economics - Economics
Shah Abdul Latif University
Karachi 05.1990
BS - Marketing
The International University
Missouri USA 01.1989
Bachelor Of Economics - Economics
Shah Abdul Latif University
Karachi 08.1988
Skills
Multi-tasking ability
undefinedWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Executive Director
GHP CAPITAL LTD
08.2020 - Current
Senior VP
Bank Islami LTD
05.2016 - 02.2020
Vice-President
Pak Iran Investment Company LTD
07.2014 - 09.2014
CEO & FOUNDER
Bareera Ventures Capital PTE LTD
02.2011 - 06.2016
Vice-President Chief Manager
Summit Bank LTD
06.2009 - 02.2011
Vice-President Branch Manager
Bank Alfalah Ltd
12.2004 - 05.2009
Executive Vice-President/ General Manager
Crescent Standard Investment Bank Ltd
01.2004 - 12.2004
Vice-President/ Head of Operations
Islamic Investment Bank LTD
03.2001 - 01.2004
Vice-President/ Head or Corporate
Fidelity Investment Bank Ltd
06.1999 - 06.2001
Vice-President/ Branch Manager
Trust Bank LTD
06.1998 - 12.1998
Vice-President/ Head of Credit & Compliance
Prudential Commercial Bank LTD
01.1996 - 06.1997
Assistant Manager/ Commercial Banking
Askari Bank LTD
03.1992 - 01.1996
Assistant Manager
Allied Bank LTD
07.1989 - 03.1992
Masters In Economics - Economics
Shah Abdul Latif University
BS - Marketing
The International University
Bachelor Of Economics - Economics
Shah Abdul Latif University
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